HDFC Regalia Gold Review: Is It Worth It for Travel Rewards in 2026?
Strong Travel card earning 4 points per ₹150 on travel, with ₹2,500 annual fee.
HDFC Regalia Gold fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹2,500 |
| Joining fee | ₹2,500 |
| Welcome bonus | 2,500 points |
| Milestone bonus | 5,000 points on ₹5,00,000 annual spend |
| Eligibility tier | Premium income (₹12-24L/year) |
HDFC Regalia Gold earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 4 points per ₹150 |
| Dining | 4 points per ₹150 |
| Online | 4 points per ₹150 |
| Retail | 2 points per ₹150 |
| Fuel | 1 points per ₹150 |
| Other | 2 points per ₹150 |
HDFC SmartBuy accelerated rates
| Category | Portal Rate |
|---|---|
| Travel | 10× via HDFC SmartBuy |
| Online | 5× via HDFC SmartBuy |
Where HDFC Regalia Gold points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| Air India Maharaja Club | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your HDFC rewards portal before initiating a transfer.
What HDFC Regalia Gold does well
- Solid earn rate: 4 points per ₹150 on travel spends
- Transfer partners: Singapore Airlines KrisFlyer, Air India Maharaja Club
- 4× points on dining & online spends
- 5× points on travel bookings
- 8 domestic + 4 international lounge visits
Where HDFC Regalia Gold falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- No milestone bonus for sustained spending
HDFC Regalia Gold earns across Singapore Airlines KrisFlyer and Air India Maharaja Club. Pick your destination and see what your points unlock.
HDFC Regalia Gold frequently asked questions
What is the annual fee for HDFC Regalia Gold?
HDFC Regalia Gold has an annual fee of ₹2,500 with a joining fee of ₹2,500. New cardholders receive 2,500 welcome bonus points.
What are the best spend categories for HDFC Regalia Gold?
HDFC Regalia Gold earns the highest rewards on travel spends at 4 points per ₹150. 4× points on dining & online spends.
Which airline and hotel partners can I transfer HDFC Regalia Gold points to?
HDFC Regalia Gold points transfer to: Singapore Airlines KrisFlyer, Air India Maharaja Club. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the HDFC Regalia Gold card?
HDFC Regalia Gold is best suited for travel and all-round spenders. Premium income (₹12-24L/year).